| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSN INSURANCE BROKERAGE, INC.3 | 160 FEDERAL ST BOSTON, MA 02110 | OXFORD HEALTH INSURANCE INC. | $182K | $0 | $182K | 3.31% |
| SINGER NELSON CHARLMERS3 | 1086 TEANECK ROAD SUITE 5B TEANECK, NJ 07666 | DELTA DENTAL OF NEW YORK | $12K | $0 | $12K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1086 TEANECK ROAD 5TH FL TEANECK, NJ 07666 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 6.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 12.45% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHARLMERS INC. | 1086 TEANECK ROAD SUITE 58 TEANECK, NJ 07666 | UNITED HEALTHCARE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1086 TEANECK ROAD, SUITE 5B TEANECK, NJ 07666 | GUARDIAN | $3K | $1K | $5K | 13.75% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 961 | $5.5M |
| Dental | DELTA DENTAL OF NEW YORK | 757 | $404K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 642 | $59K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 655 | $350K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 772 | $383K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 655 | $350K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 655 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.